Musketier
2021-09-22 11:28:15
- #1
Possibly, filing separately might be more advantageous for you.
Definitely not, because then the man would have to apply a much higher tax rate on his income, since the marginal tax rate is significantly higher. Additionally, her basic tax allowance would then be "wasted."
3/5 or 4/4 is the question of whether you prefer to have more regularly and risk a back payment, or whether you regularly overpay in advance and receive a refund. If you assumed 1 year of illness now, you could have more with 3/5 now and have the back payment during times when work is resumed. If the illness lasts longer and there is perhaps reintegration or something similar, then such a back payment is, of course, inconvenient. However, if you set aside 2-3 thousand euros precautionarily for a back payment, in my view, you can also opt for 3/5.
Savings potential exists, for example, with car insurance if you no longer drive so many kilometers to work.